The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$25,624
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,421
−HK$810/mo
Today · 4.125%
HK$27,231
baseline
▲ 0.50% · 4.625%
HK$28,888
+HK$1,657/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,462/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,506
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,271
−HK$776/mo
Today · 4.125%
HK$30,047
baseline
▲ 0.50% · 4.625%
HK$31,630
+HK$1,583/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,094/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,749
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,705
−HK$972/mo
Today · 4.125%
HK$32,677
baseline
▲ 0.50% · 4.625%
HK$34,665
+HK$1,988/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,354/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,208
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,125
−HK$931/mo
Today · 4.125%
HK$36,056
baseline
▲ 0.50% · 4.625%
HK$37,956
+HK$1,900/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,112/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,874
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,990
−HK$1,133/mo
Today · 4.125%
HK$38,123
baseline
▲ 0.50% · 4.625%
HK$40,443
+HK$2,320/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,246/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,909
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,979
−HK$1,086/mo
Today · 4.125%
HK$42,065
baseline
▲ 0.50% · 4.625%
HK$44,283
+HK$2,218/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,130/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,123
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$47,558
−HK$1,458/mo
Today · 4.125%
HK$49,016
baseline
▲ 0.50% · 4.625%
HK$51,998
+HK$2,982/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$98,032/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,312
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,688
−HK$1,396/mo
Today · 4.125%
HK$54,084
baseline
▲ 0.50% · 4.625%
HK$56,935
+HK$2,851/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$108,168/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,401 · Scale 2, in force from 26 Feb 2026)